Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
St.George Bank Home Loan Rates
Active products
30
Lowest variable
6.07%
Lowest fixed
6.34%
Lowest comparison
6.11%
Last updated
28 July 2026
St.George Bank is the NSW-anchored retail brand of Westpac Group. Its Advantage Package home loans bundle offset, redraw, and credit-card fee waivers on a Westpac-funded loan engine. St.George tends to price competitively on Premier-LVR owner-occupier refinances.
What is the lowest St.George Bank home loan rate?
The lowest St.George Bank variable home loan rate Ratesniffers tracks is 6.07% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 30 St.George Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does St.George Bank offer?
Ratesniffers currently tracks 30 St.George Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
St.George Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.07% p.a. | 6.11% p.a. | 95% |
| Variable Owner-occupier P&I | 6.07% p.a. | 6.11% p.a. | 95% |
| Variable Investor P&I | 6.22% p.a. | 6.26% p.a. | 95% |
| Variable Investor P&I | 6.22% p.a. | 6.26% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.38% p.a. | 95% |
| Variable Owner-occupier interest-only | 6.39% p.a. | 6.43% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.39% p.a. | 6.43% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.39% p.a. | 6.43% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.39% p.a. | 6.43% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 95% |
| Fixed 2-year Investor P&I | 6.44% p.a. | 6.48% p.a. | 95% |
| Variable Investor interest-only | 6.48% p.a. | 6.52% p.a. | 90% |
30 St.George Bank home loan products
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Basic Variable Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.22%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,069
LVR 70–80%
Variable Home Loan with Offset
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.22%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,069
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Basic Variable Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Relocation Loan without end
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Relocation Loan with end
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Fixed Rate Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Basic Variable Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.48%p.a.
Comparison*
6.52%p.a.
Monthly repayment
$3,154
LVR 70–80%
Variable Home Loan with Offset
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.48%p.a.
Comparison*
6.52%p.a.
Monthly repayment
$3,154
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Fixed Rate Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Fixed Rate Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Fixed Rate Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Fixed Rate Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
Fixed Rate Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 70–80%
Fixed Rate Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR 70–80%
Fixed Rate Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 70–80%
Fixed Rate Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR 70–80%
Fixed Rate Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR 70–80%
Negotiate St.George Bank rates with a broker
Advertised rates aren't always the rate St.George Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is St.George Bank?
St.George is one of Australia's best-known bank brands, a former building society that became a bank in 1992 and joined the Westpac Group in 2008 in what was then Australia's largest banking merger. Its dragon logo and NSW heartland have made it the group's biggest sub-brand.
St.George prices its own home-loan range separately from parent Westpac, alongside sister brands Bank of Melbourne and BankSA which share much of the same product set under their own local badges.
Who suits a St.George Bank home loan?
St.George tends to suit borrowers, particularly in New South Wales, who want big-bank product breadth with a challenger-brand feel and pricing. Because the same group products appear under Westpac, Bank of Melbourne and BankSA, compare across the group and against the sharpest rates in the table above before settling on a brand.
Background facts checked 21 July 2026. Rates above refresh independently.
St.George Bank home loans: frequently asked questions
What is the lowest St.George Bank home loan rate?
St.George Bank's lowest variable home loan rate is currently 6.07% p.a., and its lowest fixed rate is 6.34% p.a., based on the 30 St.George Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate St.George Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does St.George Bank's home loan rate compare to the market?
St.George Bank's lowest variable home loan rate today is 6.07% p.a., which is 2 basis points below the market median of 6.09% p.a., which puts St.George Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where St.George Bank sits right now rather than a fixed snapshot.
How many home loan products does St.George Bank offer?
Ratesniffers currently tracks 30 St.George Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is St.George Bank competitive for refinancing?
It depends on your loan size and LVR. St.George Bank's lowest comparison rate is currently 6.11% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing St.George Bank against the sharpest available rate usually pays off.
How often are St.George Bank's home loan rates updated?
Ratesniffers refreshes St.George Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever St.George Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
St.George Bank rates by borrower and loan type
The same St.George Bank panel, filtered to the scenario you're actually shopping for.
- St.George Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- St.George Bank investor ratesInvestment lending, interest-only where offered.
- St.George Bank refinance ratesRefinance-eligible products versus your current rate.
- St.George Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- St.George Bank fixed rates1 to 5-year terms where available.
- St.George Bank variable ratesFlexible repayments, offset-compatible products.
- St.George Bank interest-only ratesIO terms, mostly investor products.
- St.George Bank offset loans100% offset-account-eligible products.
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Our independent review, and how they stack up head to head.
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Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.